To find health insurance policy number, start with your policy document or policy schedule. Other places where you may locate the health insurance policy number include the health card, insurer’s application, renewal letter, premium bill, and email policy. If you still cannot locate the policy number, contact the insurer using your registered mobile number or email.
What is a health insurance policy number?
A health insurance policy number refers to the unique identification number assigned to a health insurance policy by an insurance company. You use this number when you raise a claim, contact customer support, download policy documents, renew the policy, or verify your coverage at a hospital.
5 easy steps to find health insurance policy number
There are several ways in which you can find your health insurance policy number. Here are 5 easy ways to locate:
Policy document: The policy number is normally mentioned on the first page of your health insurance policy document or on the policy schedule, along with other details such as the policyholder’s name, policy period, sum insured, and premium amount.
Health card /e-health card: Check for field that has been marked “Policy Number” or “Policy No.” Be careful not to mistake it for your member ID.
Insurer’s App/website: Log into the app or website using your registered mobile number or email address and locate the number by opening the health policy.
Email from the insurer: Check for any email sent by the insurer to your email account during purchase or renewal of your policy.
Renewal Notice/Premium Payment receipt: The policy number will also be mentioned in renewal reminders and premium payment receipts.
Read more about the digital health ID card and how you can use it to access important healthcare information digitally.
When do you need your health insurance policy number?
In most cases, your health insurance policy number is needed when filing a claim, renewing your policy, or reaching out to your insurance company. These are some common situations:
| Situation | Why the policy number is needed | What else may be asked |
|---|---|---|
| Cashless hospitalisation | To verify whether the policy is active and whether the patient is covered | Health card, member ID, photo ID, doctor’s advice |
| Reimbursement claim | To link bills and claim documents to the correct policy | Claim form, hospital bills, discharge summary, bank details |
| Policy renewal | To renew the correct policy without creating a duplicate record | Registered mobile number, premium amount, payment details |
| Customer support call | To help the support team open your policy record quickly | Name, date of birth, registered mobile number |
| Tax or record keeping | To match premium receipts and policy documents | Premium receipt, proposer name, payment date |
How to use your health insurance policy number for a claim
Here’s how youbcan use the health insurance policy number in your health insurance claim process:
Share it with the right party
In case you need cashless treatment, provide your health policy number along with member ID to the insurance desk at the hospital. In case of a health insurance reimbursement claim, make sure to mention the policy number correctly when filling out the claim form.
Match the details
Make sure that the name of the patient, policy number, member ID, and the date of admission on both claim form and hospital records match.
Save the claim number
When the claim is registered, make a note of the claim number separately. The claim number identifies that particular claim whereas the policy number identifies your policy.
You can also learn more about the health insurance reimbursement claim process and the steps involved in filing a claim.
What does a health insurance policy number look like on a claim form?
Here is a simple example of how the health insurance number is used in a reimbursement claim.
| Field on claim form | Example entry | What it means |
|---|---|---|
| Policy number | HI/2025/12345678 | The insurer uses this to identify the health insurance policy |
| Member ID | M002 | The insurer uses this to identify the insured person who was treated |
| Claim amount | Rs 68,000 | The total amount requested for reimbursement |
| Claim number after registration | CLM/2025/889900 | The insurer uses this to track this specific claim |
Key takeaways
Health insurance policy number is the unique reference number of the health insurance policy.
The policy number helps the insurer identify the particular policy, coverages, people covered under the policy, and the policy status.
The policy number must be differentiated from member ID if separate numbers are given for members.
Frequently asked questions
No, because in some cases, your health card will have both your policy number and member ID. In others, it may show only the member ID or an e-card reference.
Yes, if a new health insurance policy is issued instead of renewing the existing one, the number of the policy can change.
A claim can be filed if the insurance provider manages to trace back the policy based on any other details, but the overall process becomes easy with the policy number.
A Health Insurance Policy Number is not necessarily the same as the Member ID number. The policy number refers to the particular insurance policy or family plan, while the member ID identifies a specific individual covered under that plan
About the authors
Neviya Laishram
Written by · Senior Editor – Health, Life and Group Health Insurance Content at ACKOWith a journalism background, she brings 9 years of experience in strategising and editing health, life, and group health insurance content. Having written for magazines and digital publications, she combines research and editorial expertise to create credible, useful content for readers.
Rekhit Singh Kaushal
Reviewed by · Senior Director - Motor UnderwritingRekhit Singh Kaushal is Senior Director at ACKO, a leading digital motor insurance provider in India. With deep expertise in insurance strategy and innovation, he brings trusted insights on car and bike insurance to help drivers stay protected.
